Claims for "new age" injuries. Cases of stress and carpal tunnel syndrome can be legitimate but hard to verify, and unscrupulous workers know this.

Frequent change of doctors. Workers often search for one who will go along with their scam.

Refusal to undergo physical therapy. They don't want to get better or have their cover blown. You can deny a claim if a worker refuses necessary treatments or skips scheduled doctor visits.

Providing a post office box address, so you won't have their real address when they don't return phone calls.

Audit to find overcharges. Insurance companies sometimes miscalculate premiums by up to 40 percent, according to the National Council on Compensation Insurance (NCCI).

Gather your workers' comp policy information from the past five years, including billing statements, NCCI experience rating work sheets, auditors' work sheets and loss summaries.

Check your experience rating calculation, which compares your average losses to similar businesses in your state and is based on information reported by your previous insurers. Then verify payroll and loss data with your audit billing statements and loss-history summaries.

An independent review company also can help you pinpoint overcharges and get a refund. Some work on commission with no upfront fees. NCCI affiliates provide such reviews. Call (561)997-4885 or visit www.ncci.com.

Tomorrow's Training:

Your employee handbook can be an invaluable organizational tool … or an employment lawsuit waiting to happen. And in recent years, Congress and state legislatures have been busy enacting laws that directly affect your employee handbook. If you haven't kept up, you could find yourself in court....Click here to find out more.